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AU BANK Altura Plus Credit Card

The AU Small Finance Bank Altura Plus Credit Card is a step up from the Altura Credit Card; it comes with a Rs. 499 joining fee that is also refundable when you receive a Rs. 500 welcome benefit gift voucher. With the Altura Plus credit card, you may earn infinite reward points with no maximum, earning 1.5% cash back on all retail purchases and 2x rewards on online purchases. In addition to cash back incentives, several Indian railway stations will grant you free admission to lounges with a card. With the spending restrictions offered by this card, joining and renewal fees can also be reduced. To learn more about this card, continue reading the information provided below.


Joining Fee


Best Suited For

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AU BANK Altura Plus Credit Card


499+Applicable taxes



What you'll love

  • Gift vouchers worth Rs. 500 as a welcome benefit.
  • 5% cashback on retail spends at merchant outlets.
  • For every Rs. 100 spent online, you receive 2 reward points.
  • Earn 500 bonus Reward Points every month.
  • 2 complimentary railway lounge access every quarter.
  • 1% fuel surcharge waiver.
  • Zero liability protection against the lost card.


  • Photo id: Pan Card, Addhar card, Passport, Voter id, Job Card issued by Nerega

  • Valid address Proof- Addhar card, Passport, Voter id card, House Registry documents,Utility bill not more than 2 months old

  • Income proof: Latest 2 month’s salary slip, latest form 16, and latest bank statement

Eligibility For Altura Plus Credit Card

  • For Salaried

    Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 25,000

  • For Self Employed

    Indian National
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹5.0 Lakhs per annum

You'll also love

Rewards Benefit

  • 1.5% cashback on all POS retail spends,
  • 1 Reward Point per Rs. 100 spent after reaching the maximum cashback limit.

Rewards Redemption

  • The earned reward point can be redeemed at the AU Rewardz portal at a rate of 1 Reward Point= Rs0.25

Fuel Surcharge Waiver benefit

  • Get a 1 % surcharge waiver on fuel for transaction amount  400 to 5000. The maximum fuel surcharge waiver that can be received on any transaction is Rs. 150 per statement cycle

Fee Waiver benefit

  • Joining fee waived off on spending Rs. 20,000 or more within the first 90 days and the renewal fee waived off on spending Rs. 80,000 in the previous year.

Welcome benefit

  • Gift voucher worth Rs. 500 from some top brands.

Lounges access benefit

  •  2 complimentary visits of Indian Railway lounges per  quarter 

Dining & Movie benefit

  • NA

Zero Liability Protection

  • Zero liability of the credit cardholder in case of loss or theft of card post reporting the same to the bank.

Why Should You Choose This Card?

The Altura credit card is one of the cost-effective credit cards offered by AU Small Bank. It offers consumers a number of advantages. If you fulfil the card’s spending requirements for yearly fees, you can save even more with the lowest joining charge of Rs 499, which entitles you to 6000 bonus rewards points per month, or Rs 1500. Hence you must attempt the AU BANK ALTURA CREDIT CARD if you want to use a basic credit card with a variety of benefits.

Fees and Charges on the AU BANK ALTURA PLUS Credit Card

Fees & Charges


Joining Fees

499+ Applicable taxes

Renewal Fees

499+ Applicable taxes

Interest-free period

Up to 50 days

Cash Withdrawal Limit

30 % of the card limit

Reward redemption Fee


Foreign Exchange Markup

3.49% of the transaction amount

Finance Charges/Cash Advance Fee

3.49% of the amount

Over Limit Fee

2.50% of the amount

Add on Card Fee


Late Payment Charges

For Amount

  • Less than or equal to Rs 100- Nil
  • From Rs. 100 to Rs. 500- Rs. 100
  • From Rs. 500 to Rs. 5,000- Rs. 500
  • From Rs. 5,001 to Rs. 10,000- Rs.700
  • From Rs. 10,000 to -Rs 20,000 -Rs.800
  • From Rs. 20,000 to Rs 50,000 – Rs .900
  • Above Rs 50,000-Rs.1100

Payment Return Charges ( For Chq/Auto Pay)

Rs 350 Per instance


  • GST will be applied to the fees, charges, and interest rates that apply to your card at a rate of 18%.

  • You may benefit from features like 2X points on online purchases, welcome gifts, access to train lounges, waivers of fuel surcharges, and more with this credit card.

  • Yes, this credit card can be used for contactless payments for amounts up to Rs. 5,000.

  • Yes, you can use Altura Credit Card for contactless payments for amounts up to Rs. 5,000.

  • Yes, you can exchange your reward points for Flipkart gift cards at a rate of 1 RP = Re. 0.25 when you use your AU bank Altura Plus Credit Card.

  • Unfortunately, purchases of fuel don't qualify for reward points or money.

Core Features

Get the Best Benefit with ALTURA Plus credit Card

AU Bank has credit cards suiting everyone’s needs.You can compare and apply for an AU BANK credit card that best matches your spending preferences.

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